{"id":23052,"date":"2018-05-04T16:00:13","date_gmt":"2018-05-04T16:00:13","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=23052"},"modified":"2022-06-14T16:00:50","modified_gmt":"2022-06-14T16:00:50","slug":"doviz-borclanma-sinirlamalari-yumusatildi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2018\/05\/04\/doviz-borclanma-sinirlamalari-yumusatildi\/","title":{"rendered":"D\u00f6viz bor\u00e7lanma s\u0131n\u0131rlamalar\u0131 yumu\u015fat\u0131ld\u0131"},"content":{"rendered":"<table width=\"100%\">\n<tbody>\n<tr>\n<td>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td width=\"50%\"><strong>D\u00f6viz bor\u00e7lanma s\u0131n\u0131rlamalar\u0131 yumu\u015fat\u0131ld\u0131<\/strong><\/p>\n<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>T\u00fcrk Paras\u0131 K\u0131ymetini Koruma Hakk\u0131nda 32 Say\u0131l\u0131 Karar&#8217;da (&#8220;<strong>32 Say\u0131l\u0131 Karar<\/strong>&#8220;) de\u011fi\u015fiklik yapan karar 25 Ocak 2018 tarih ve 30312 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanm\u0131\u015ft\u0131.<\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;), de\u011fi\u015fikliklerin uygulamas\u0131na ili\u015fkin esaslar\u0131 i\u00e7eren yeni bir sermaye hareketleri genelgesi (&#8220;<strong>Sermaye Hareketleri Genelgesi<\/strong>&#8220;) yay\u0131mlayarak, Sermaye Hareketlerine \u0130li\u015fkin 2 Ocak 2002 Tarih ve 2002\/YB-1 Say\u0131l\u0131 Genelge&#8217;yi y\u00fcr\u00fcrl\u00fckten kald\u0131rd\u0131.<\/p>\n<p>B\u00f6ylelikle, d\u00f6viz kredisi kullanma yasa\u011f\u0131na ili\u015fkin yeni istisnalara da yer verilmi\u015f oldu.<\/p>\n<p>Sermaye Hareketleri Genelgesi 2 May\u0131s 2018 tarihi itibar\u0131yla y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>Sermaye Hareketleri Genelgesi ne getiriyor?<\/strong><br \/>\n32 Say\u0131l\u0131 Karar&#8217;da yap\u0131lan de\u011fi\u015fikliklere ili\u015fkin hususlar\u0131 26 Ocak 2018 tarihli mevzuat b\u00fcltenimizde a\u00e7\u0131klam\u0131\u015f ve d\u00f6viz kredisi kullanacak T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerin yeterli d\u00f6viz gelir olmas\u0131 gerekti\u011fini, aksi takdirde birka\u00e7 istisna haricinde d\u00f6viz kredisi kullanmalar\u0131n\u0131n m\u00fcmk\u00fcn olmad\u0131\u011f\u0131n\u0131 belirtmi\u015ftik.<\/p>\n<p>Keza, 6 Mart 2018 tarihli mevzuat b\u00fcltenimizde, d\u00f6viz kredisi kullan\u0131m\u0131na ili\u015fkin k\u0131s\u0131tlamalar\u0131n, sat\u0131n alma finansman\u0131 ve proje finansman\u0131n\u0131 olumsuz y\u00f6nde etkileyece\u011fine i\u015faret etmi\u015ftik.<\/p>\n<p>Bu kapsamda Sermaye Hareketleri Genelgesi ile d\u00f6viz kredisi kullan\u0131m\u0131na ili\u015fkin detaylar netle\u015fti.<\/p>\n<p><em><strong><u>D\u00f6viz Kredisi Kullan\u0131m\u0131na \u0130li\u015fkin Yeni \u0130stisnalar<\/u><\/strong><\/em><\/p>\n<p>Mevzuat b\u00fcltenlerimizde yer verdi\u011fimiz istisnalara ek olarak, a\u015fa\u011f\u0131daki durumlarda da T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerin T\u00fcrkiye&#8217;den veya yurt d\u0131\u015f\u0131ndan d\u00f6viz kredisi kullanmas\u0131 i\u00e7in d\u00f6viz geliri olmas\u0131 gerekmeyecek.<\/p>\n<ul>\n<li>5346 say\u0131l\u0131 Yenilenebilir Enerji Kaynaklar\u0131n\u0131n Elektrik Enerjisi \u00dcretimi Ama\u00e7l\u0131 Kullan\u0131m\u0131na \u0130li\u015fkin Kanun \u00e7er\u00e7evesinde yap\u0131lan devlet al\u0131m garantili yenilenebilir enerji yat\u0131r\u0131mlar\u0131n\u0131n finansman\u0131nda kullan\u0131lmak \u00fczere T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerin kullanacaklar\u0131 d\u00f6viz kredileri.<\/li>\n<li>4046 say\u0131l\u0131 \u00d6zelle\u015ftirme Uygulamalar\u0131 Hakk\u0131nda Kanun kapsam\u0131ndaki ihaleler ile bedeli d\u00f6viz olarak belirlenen kamu ihalelerini kazanan T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerin kullanacaklar\u0131 d\u00f6viz kredileri.<\/li>\n<li>Sat\u0131n alma finansman\u0131 kapsam\u0131nda hedef \u015firketin paylar\u0131n\u0131n sat\u0131n al\u0131nmas\u0131 amac\u0131yla kurulan T\u00fcrkiye&#8217;de yerle\u015fik \u00f6zel ama\u00e7l\u0131 \u015firketlerin kullanacaklar\u0131 d\u00f6viz kredileri.<\/li>\n<\/ul>\n<p><em><strong><u>D\u00f6viz Kredilerinin Kullan\u0131lmas\u0131na \u0130li\u015fkin Detaylar<\/u><\/strong><\/em><\/p>\n<p><em>Yurt D\u0131\u015f\u0131ndan Kullan\u0131lan D\u00f6viz Kredileri<\/em><\/p>\n<p>Bankalar, T\u00fcrkiye&#8217;de yerle\u015fik m\u00fc\u015fterilerine ait d\u00f6viz hesaplar\u0131na yurt d\u0131\u015f\u0131ndan g\u00f6nderilen bedellere ili\u015fkin SWIFT mesajlar\u0131n\u0131n i\u00e7eri\u011fini kontrol etmekle y\u00fck\u00fcml\u00fc olacak. G\u00f6nderilen bedelin kredi oldu\u011funun tespiti durumunda bu bedel yurt d\u0131\u015f\u0131ndan temin edilen kredi olarak i\u015fleme al\u0131nacak.<\/p>\n<p>\u0130\u015fleme arac\u0131l\u0131k eden T\u00fcrk bankalar, kredi alan\u0131n d\u00f6viz kredisi kullan\u0131m\u0131na ili\u015fkin genel kurallara uyumunu kontrol etmekle y\u00fck\u00fcml\u00fc olacak.<\/p>\n<p>T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filer kredinin kullan\u0131m\u0131na arac\u0131l\u0131k eden T\u00fcrk bankas\u0131na, kredi s\u00f6zle\u015fmesi ile geri \u00f6deme plan\u0131n\u0131n bir \u00f6rne\u011fini vermekle y\u00fck\u00fcml\u00fc olacak. Ayr\u0131ca bu banka kredinin geri \u00f6denip \u00f6denmedi\u011fini izlemekle de y\u00fck\u00fcml\u00fc olacak.<\/p>\n<p><em>Yurt \u0130\u00e7inden Kullan\u0131lan D\u00f6viz Kredileri<\/em><\/p>\n<p>T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filer, sadece bankalar ve finansal kurulu\u015flardan d\u00f6viz kredisi temin edebilecek, T\u00fcrk \u015firketlerinin di\u011fer \u015firketlere d\u00f6viz kredisi kulland\u0131rmas\u0131 ise m\u00fcmk\u00fcn olmayacak. Ayr\u0131ca bankalar ve finansal kurulu\u015flar k\u00f6pr\u00fc kredi ve buna benzer uygulamalarla bu yasa\u011f\u0131 ihlal eden \u015firketleri Hazine M\u00fcste\u015farl\u0131\u011f\u0131&#8217;na bildirmekle y\u00fck\u00fcml\u00fc olacak.<\/p>\n<p><em><strong><u>Faktoring<\/u><\/strong><\/em><\/p>\n<p>\u0130hracat ve transit ticaret i\u015flemleri d\u0131\u015f\u0131ndaki i\u015flemlere ili\u015fkin gayrikabili r\u00fccu faktoring i\u015flemleri ile her t\u00fcrl\u00fc kabili r\u00fccu faktoring i\u015flemi yoluyla d\u00f6viz \u00fczerinden sa\u011flanan fonlar d\u00f6viz kredisi olarak de\u011ferlendirilecek ve bu \u015fekilde i\u015fleme al\u0131nacak.<\/p>\n<p><em><strong><u>Di\u011fer Hususlar<\/u><\/strong><\/em><\/p>\n<p>D\u00f6viz geliri olan T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filer Sermaye Hareketleri Genelgesi&#8217;nin ekinde yer alan d\u00f6viz gelirleri beyan formunu, serbest muhasebeci mali m\u00fc\u015favir veya yeminli mali m\u00fc\u015favir taraf\u0131ndan son \u00fc\u00e7 y\u0131la ait konsolide olmayan finansal tablolar esas al\u0131narak haz\u0131rlanan ve onaylanan bir raporla birlikte ilgili banka veya finansal kurulu\u015flara sunmakla y\u00fck\u00fcml\u00fc olacak. D\u00f6viz geliri beyanlar\u0131, \u015firketlerin ayn\u0131 grup veya holding b\u00fcnyesinde olup olmad\u0131\u011f\u0131na bak\u0131lmaks\u0131z\u0131n, \u015firket baz\u0131nda yap\u0131lacak. Bununla birlikte, holding \u015firketi veya b\u00fcnyesindeki \u015firketlerin kredi bakiyeleri ve d\u00f6viz gelirleri hesaplan\u0131rken, t\u00fcm \u015firketlerin kredi bakiyeleri ve d\u00f6viz gelirleri toplam\u0131 dikkate al\u0131nacak.<\/p>\n<p>\u0130hracat say\u0131lan sat\u0131\u015f ve teslimler ile d\u00f6viz kazand\u0131r\u0131c\u0131 hizmet ve faaliyetlerden elde edilen gelirler hari\u00e7 olmak \u00fczere, T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerden elde edilen d\u00f6vizler d\u00f6viz geliri olarak dikkate al\u0131nmayacak. Ancak yurt d\u0131\u015f\u0131ndan elde edilen T\u00fcrk liras\u0131 cinsinden baz\u0131 gelirlerin d\u00f6viz gelirlerine d\u00e2hil edilmesi m\u00fcmk\u00fcn olacak.<\/p>\n<p>Mali m\u00fc\u015favirler d\u00f6viz gelirlerinin Sermaye Hareketleri Genelgesi&#8217;nde d\u00fczenlenen kapsamda olup olmad\u0131\u011f\u0131n\u0131 kontrol etmekle y\u00fck\u00fcml\u00fc olacak.<\/p>\n<p>T\u00fcrk bankalar\u0131 ve finansal kurulu\u015flar\u0131 taraf\u0131ndan, T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerce kullan\u0131lan t\u00fcm d\u00f6viz kredileri ile d\u00f6viz geliri beyanlar\u0131na ili\u015fkin olarak T\u00fcrkiye Bankalar Birli\u011fi &#8211; Risk Merkezi&#8217;ne bildirim yap\u0131lmas\u0131 gerekecek.<\/p>\n<p>Yat\u0131r\u0131m te\u015fvik belgesi kapsam\u0131nda d\u00f6viz kredisi alan T\u00fcrkiye&#8217;de yerle\u015fik ki\u015filerin d\u00f6viz kredi limiti, yat\u0131r\u0131m te\u015fvik belgesinde belirtilen tutar kadar olacak. Belirtilen tutar\u0131n d\u00f6viz kar\u015f\u0131l\u0131\u011f\u0131n\u0131n hesaplanmas\u0131nda, kredinin kullan\u0131m tarihindeki TCMB d\u00f6viz sat\u0131\u015f kuru esas al\u0131nacak.<\/p>\n<p>Kredilerin S\u0131n\u0131fland\u0131r\u0131lmas\u0131 ve Bunlar \u0130\u00e7in Ayr\u0131lacak Kar\u015f\u0131l\u0131klara \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda yeniden yap\u0131land\u0131r\u0131lan kredi i\u015flemleri, d\u00f6viz bor\u00e7lanma k\u0131s\u0131tlamalar\u0131na tabi olmayacak. Ancak d\u00f6vize endeksli kredilerin yap\u0131land\u0131r\u0131lmas\u0131, tekrar d\u00f6vize endeksli olarak yap\u0131lamayacak.<\/p>\n<p>Yurt d\u0131\u015f\u0131ndan kredi al\u0131m\u0131nda, kredinin \u00f6nce kredit\u00f6r bankada kredi alan ad\u0131na a\u00e7\u0131lan hesaba yat\u0131r\u0131l\u0131p, oradan kredit\u00f6r\u00fcn T\u00fcrkiye&#8217;deki hesab\u0131na aktar\u0131lmas\u0131n\u0131n, kredinin T\u00fcrk bankalar\u0131 arac\u0131l\u0131\u011f\u0131yla kullan\u0131lmas\u0131 y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirip getirmedi\u011fi tart\u0131\u015fmal\u0131 bir husustu. Yap\u0131lan de\u011fi\u015fikliklerle, bu konu da netle\u015fmi\u015f oldu. Bu kapsamda yurt d\u0131\u015f\u0131ndan kullan\u0131lan kredinin, kredit\u00f6r banka nezdinde kredi bor\u00e7lusu ad\u0131na a\u00e7\u0131lan bir hesaba \u00f6denmesi, ard\u0131ndan bu hesaptan T\u00fcrkiye\u2019deki arac\u0131 bankaya g\u00f6nderilmesi durumunda; kredit\u00f6rden al\u0131nacak kredinin, kredi bor\u00e7lusu ad\u0131na a\u00e7\u0131lan bir hesaba aktar\u0131ld\u0131\u011f\u0131na ili\u015fkin yaz\u0131n\u0131n arac\u0131 bankaya ibraz\u0131 kayd\u0131yla, T\u00fcrkiye\u2019deki bankalar arac\u0131l\u0131\u011f\u0131 ile kullan\u0131lan kredi olarak de\u011ferlendirilmesi m\u00fcmk\u00fcn olacak.<\/p>\n<p>D\u00f6viz bor\u00e7lanma k\u0131s\u0131tlamalar\u0131 nakdi kredilere uygulanacak olsa da, gayrinakdi krediler, nakdi krediye d\u00f6n\u00fc\u015fmeleri ile (\u00f6rne\u011fin, teminat mektubu kapsam\u0131nda \u00f6deme yap\u0131lmas\u0131) bu s\u0131n\u0131rlamalara tabi hale gelecek.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Sermaye Hareketleri Genelgesi ile birlikte d\u00f6viz kredisi kullan\u0131ma ili\u015fkin k\u0131s\u0131tlamalar\u0131n uygulama esaslar\u0131 netle\u015firken, k\u0131s\u0131tlamalarda bir miktar yumu\u015fama da sa\u011flanm\u0131\u015f oldu.<\/p>\n<p><strong><a href=\"#top\">&gt;<\/a><a href=\"#turkish\"> Yukar\u0131 \u00c7\u0131k<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>D\u00f6viz bor\u00e7lanma s\u0131n\u0131rlamalar\u0131 yumu\u015fat\u0131ld\u0131 Yeni Geli\u015fmeler T\u00fcrk Paras\u0131 K\u0131ymetini Koruma Hakk\u0131nda 32 Say\u0131l\u0131 Karar&#8217;da (&#8220;32 Say\u0131l\u0131 Karar&#8220;) de\u011fi\u015fiklik yapan karar [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-23052","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>D\u00f6viz bor\u00e7lanma s\u0131n\u0131rlamalar\u0131 yumu\u015fat\u0131ld\u0131<\/title>\n<meta name=\"description\" content=\"D\u00f6viz bor\u00e7lanma s\u0131n\u0131rlamalar\u0131 yumu\u015fat\u0131ld\u0131 Yeni Geli\u015fmeler T\u00fcrk Paras\u0131 K\u0131ymetini Koruma Hakk\u0131nda 32 Say\u0131l\u0131 Karar&#039;da (&quot;32 Say\u0131l\u0131 Karar&quot;) de\u011fi\u015fiklik yapan\" \/>\n<meta name=\"robots\" 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